EMI vs SIP for ₹5,900,000

19 Years @ 9%

Original Plan

19 Years @ 9%

EMI: ₹ 54,097

Extended Plan

24 Years (Reduced EMI)

EMI: ₹ 50,071

Monthly Savings

₹ 4,026

SIP Investment

@ 12% for 24 years

₹ 6,733,761

Extra Interest Paid

₹ 2,086,409

Final Outcome

₹ 4,647,352

Profit from SIP strategy

Analysis

For ₹5,900,000 loan at 9%, investing savings can generate ₹6,733,761.

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